农村中小企业非正规信贷嵌入性依赖研究

Study on the Embedded Dependence on Informal Credit of Rural Small and Medium-sized Enterprises

运用企业主的传统社会资本分析了农村中小企业非正规信贷的嵌入性依赖,企业主网络的信息传递机制,降低了借贷双方的信息不对称程度;信任机制使得非正规信贷的交易成本降低,合作效率提高;规范充当了非正规信贷的社会担保品,对非正规信贷有着强的社会约束力。但企业主社会关系网络的相对"闭合"和内外有别的信任水平使得企业信贷融资范围被人为"锁定"在特定的对象,形成嵌入性依赖。

This paper uses entrepreneurs＇ traditional social capital to analyze the embedded dependence on non -formal credit of small and medium-sized enterprises in rural areas, information transmission mechanism of network reduces the degree of information asymmetry;trust mechanism makes transaction costs of non-formal credit reduced and cooperation efficiency improved;norms acts as social collateral of non-formal credit and has a strong social binding to non-formal credit. However, entrepreneurs＇ social network relatively ＂closed＂ and trust level differentiated make the scope of credit financing artificially ＂locked＂ in particular targets, coming into being embedded dependence.